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FAQs: Resolving Your Homeowners’ Insurance Claim Dispute

You have faithfully paid your homeowners’ insurance premiums for some time and believe that if the time ever comes that your home is damaged, you will be covered.  You may be shocked to instead receive a notice of denial stating that your claim will not be honored.  If you have received a denial letter from your insurer, contact the Miami homeowners’ insurance attorneys at Greenberg, Stone, & Urbano.  Our homeowners’ insurance lawyers will assist you in appealing the denial of your claim and fighting to recover the payment you are due.  Review the following frequently asked questions about homeowners’ insurance claim disputes for more information on the subject.

Why has my claim been denied?

Insurance companies will deny claims for a wide variety of reasons, some legitimate and some not.  The insurance company may claim that your damage was not covered under the policy.  They should cite a particular portion of the policy that explains this denial, but at times it is still unclear.  If you have received a denial based on excluded damages, carefully review your policy and the denial.  Ask the adjuster to clarify any language you do not understand.  If you believe the insurance company has made a mistake, it is now time to consult with a licensed homeowners’ insurance lawyer.

Other reasons for denial include problems with your initial paperwork applying for the policy or issues with the claim itself.  Your homeowners’ insurance attorney will review the denial and your policy application along with your claim to determine whether an appeal from your denial will be successful.

I’ve heard the term “bad faith” before, so what does it mean?

Bad faith is a term used to refer to unfair conduct or unreasonable behavior on the part of the insurance company.  You have a contract between yourself and the insurance company. The insurance company must act in good faith towards you.  If the insurance company unreasonably withholds benefits, then it could be considered bad faith.

What are some examples of “bad faith” conduct?

Some examples include:

  • Failing to promptly investigate a claim
  • Unreasonable denial of a claim
  • Unreasonable delay in making payments to the insured
  • Unreasonable interpretation of the policy language
  • Unreasonable attempts to low ball payment of the claim

What should I do if my claim has been denied or undervalued?

If you received a letter of denial or if the insurance company has made unreasonable low ball offers to settle the claim, you should first consult with a licensed homeowners’ insurance attorney.  Your attorney will review your policy, claim, and the denial to uncover whether you have a valid action against the insurer.  From there, your attorney may assist you in appealing the denial, negotiating a higher settlement, or could bring the insurer to court on a bad faith claim.

Greenberg, Stone, & Urbano:  Put Our Over 130 Collective Years of Experience to Work on Your Case!

If your homeowners’ insurance claim has been denied, contact the Miami Homeowners’ Insurance Attorneys at Greenberg, Stone & Urbano. We have over 130 collective years of experience representing homeowners against the insurance companies across South Florida.  From the moment you contact our firm, we will fight to see that your case receives the care, dedication, and hard work it deserves.  We are honored to have received a coveted AV rating from Martindale Hubbell and the Miami Herald’s ranking as a top firm in South Florida.   Put our outstanding homeowners’ insurance lawyers to work on your case.  Call us at (888) 499-9700 or (305) 595-2400 or you can visit our website to schedule your initial consultation.


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